1

MAKING YOUR

FIRST

MILLION DOLLARS

IS

EASY
 2

EMMANUEL OKONKWO

Copyright 2019 Emmanuel Okonkwo

All rights reserved

Email Emmanuel Okonkwo:

makingyourfirstmilliondollars@gmail.com
 3

DEDICATION
This work is dedicated to my future wife, God’s
perfect will for my life, the flesh of my flesh and
bone of my bone, whom I’ve not met yet but I long
so much to share life with.
Secondly, I dedicate this write-up to all those who
directly or indirectly contributed in one way or the
other to my success story.
 4

ACKNOWLEDGMENT
I extol the name of God; the Creator of
everything that was, that is, and that will ever be;
Source of all wisdom; Omniscient; and Father of
our Lord, Jesus Christ, who made me who I am,
including being the author of this greatly
influential book.
I acknowledge and appreciate all those whose
books I’ve read, words I’ve listened to, and
demonstrations I’ve observed unto inspiration,
motivation and impartation for excellence. Life is
short: we will only be remembered for what we
have done.
 5

CONTENTS
DEDICATION
ACKNOWLEDGMENT
CONTENTS
INTRODUCTION
CHAPTER 1: IT BEGINS AT THE MINDSET
CHAPTER 2: THE PSYCHOLOGY AND HABITS FOR
TRANSITIONING INTO WEALTH
CHAPTER 3: REACHING FORTH
CHAPTER 4: THEN WHAT?
CHAPTER 5: TAKE ACTION
ABOUT THE AUTHOR
 6

INTRODUCTION
What makes up a million dollars? What does it
consist of? Is it not one thousand bits of a
thousand dollars, or ten thousand one hundred
dollars bills, or ten dollars in one hundred thousand
places? Everyone wants to be rich. Everyone wants
to be able to be able to pay the bills and still have
the superfluity to be able to afford some luxury.
Many folks flounder daily, work two or three jobs,
rise up as early as 4:00am, have to beat
rebarbative traffic jams, work themselves out,
sometimes do works they do not delight in, get
underpaid and stuff. The canyon between the rich
and the poor seems to be widening with the
dropping global economic fettle, as the poor get
poorer and the rich get richer. Some erstwhile
wealthy have fallen into bankruptcy. Meanwhile,
several individuals have switched camp into
millionaires.
 7

The principles you will find in this book are such

that give you a 100% assurance of result. Did you
hear me? I said, this book will assuredly
independently guide you through making your first
one million dollars within the shortest possible
time! Perhaps you may have read a myriad of
books, listened to tapes and attended seminars,
yet they have done you pretty little good. This
book can be the very one that will change your life
forever. You will thank me later. You don’t have to
be skeptical or cynical about this. The few dollars
with which you bought this is a seed that will
spring up into millions of dollars in the nearest
future. Trust me.
This book will transform your financial life and
open up new possibilities, unveiling the facileness
of getting rich. It will also enhance your leadership
ability, your impacting others’ lives positively, your
health, career, projects, social life and indeed
every aspect of your life. Yet there is a singular
condition attached. No, it’s not a difficult one. It’s
only handy and simple. Complying with it will deliver
 8

the benefits of this book. Non-conformance to

this condition will cause this book to bless only
your memory account but not your bank account.
Knowledge alone is not sufficient. That only
condition required to be able to leverage all the
prize information and generate the sterling
outcome you desire is that you ACT UPON THE
INFORMATION IN THIS BOOK HOOK, LINE
AND SINKER. They say knowledge is power, but
not until it is put to action. If you read this book
without practicing its principles, you will be likened
unto a man who has billions of dollars packed in a
safe somewhere, yet he does not have a home or a
car and cannot pay for a $10 pair of shoes at
Shoprite because he has refused to spend the
money he has; or a lady with a fever who has a
pocketful of prescribed fever drugs but has
refused to take any. Such a man will remain poor
and wretched with all the vast wealth rotting away
in the basement and such a lady will not benefit
aught from those therapeutic chemicals. Don’t be
like him and her.
 9

The beginning chapter will take you through the

first of steps to attaining that great financial
pedestal of becoming a millionaire. It will cause you
to begin to think thoughts and wield behaviors that
will spontaneously facilitate the attainment of your
million dollar dream. I want you to get excited
right now because you are about to get into a
course that will transform your life in a
tremendous way. When you take the step to feel
good about an action even before you undertake it,
your brain releases some ‘brightening-up’ chemicals
called neurotransmitters into your body that go a
long way to influence your mind, emotions and
body; and research proves that the chances are
very high that such action, when you undertake it,
will yield positive outcomes. Delete skepticism and
cynicism from your mind before you read even the
first words in the first chapter, as those two are
twin-thieves of opportunity, twin-killers of destiny
and they will completely rip you of the gains and
enrichment that this script has to offer.
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Sequel to reading through and applying the

principles therein without reservation, I am 101%
sure that it will journey you on the thruway to
financial freedom and eventually land you there in
the shortest possible time. When it manifests, I
enjoin you to appreciate and show some love simply
by sharing a testimony and feedback to me about
how this book has benefited you by emailing me on
makingyourfirstmilliondollars@gmail.com . Your
good news refreshes my soul and tells me that I
am attaining success at my lifework by impacting
others’ lives. You may also send in your suggestions,
comments and complaints and I will be sure to
receive them. You can as well like my Facebook
page
www.Facebook.com/makingyourfirstmilliondollars
to get follow-up motivations that will keep you
going from time to time, and to be notified of
bonuses and new products that will profit you and
others abundantly.
Let’s get to business.
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CHAPTER 1

IT BEGINS AT THE MINDSET

“He who cherishes a beautiful vision, a lofty

ideal in his heart, will one day realize it.”
James Allen

Your mind is the mirror of your reality. Your daily

contemplations and meditations over time
materialize into objective existence. Englishman
James Allen wrote in one of his books that “the
world is your kaleidoscope, and the varying
combinations of colors, which at every succeeding
moment it presents to you, are the exquisitely
adjusted pictures of your ever-moving thoughts”.
The mind is the engine room of life. The ancient
Wisdom of the Bible in Proverbs chapter 23 verse
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7 tells us that “as (a man) thinks in his heart, so is

he. Benjamin Disraeli counsels thus: “nurture your
mind with great thoughts, for you will never go any
higher than you think”.
Your mindset is the line of thoughts, beliefs and
dispositions that dominate your mind in a given
matter at a particular time. Merriam-Webster
refers to the mindset as “a particular way of
thinking or a person’s attitude or set of opinions
about something”. Every great accomplishment and
celebrated feat ever made on the surface of the
earth was first conceived in the mind. The other
side of the coin has it that every inimical act
began as an imagination.
The brain is made up of 100 billion neurons (nerve
cells) connected and interconnected in trillions of
ways. Our thoughts come off as the exchange of
signals by these cells. These nerve cells transmit
signals to one another by releasing some chemicals
called neurotransmitters. Each time you put out a
positive mental attitude, you become optimistic
 13

about a cause, you envisage yourself in the future

state of the attainment of your dream, you make
positive affirmations, you believe in yourself, you
exercise hope or you accomplish a task
successfully no matter how little, your brain
releases a certain quantity of a neurotransmitter
chemical called dopamine. Increased levels of
dopamine in response to positive thoughts and
imaginations induce an extraordinary outflow of
personal energy and motivation, invoke pleasure
and happiness, incite hyper focus and alacrity to
pursue a cause to completion, engender drive and
passion and impel one to repeat a particular
behavior. Negative thoughts, fear, anxiety,
despair, cynical reflections and pessimism can only
wrench your body biochemistry which will in turn
beget a loss of drive, kill focus and in advance
cases lead to stress and depression. Bad mental
station (or as Zig Ziglar puts it – ‘stinkin thinkin’)
impairs even bodily health that the Wise Writ of
the Bible states that “being cheerful keeps you
healthy (and) it is slow death to be gloomy all the
 14

time”. It will amaze you to know that your thought

attitude can alter your genetic makeup.
The ability to learn (new concepts) and unlearn
(old, outdated or erroneous concepts) begets the
power to transmute one to a better version of
oneself. Many are broke because of the ideations
and learnt concepts they acquired about the
subject of money and wealth from parents, family,
lifestyle, school and other aspects of their
immediate environment while they were growing up.
You could hear them use shibboleths like:
“All rich people are occult and evil.”
“We will never be able to afford that.”
“Don’t ask me for money, I don’t lay money like
birds lay eggs.”
“You had better not get rich or you’d make
yourself a target for robbers”.
“As long as I have just enough money to be able to
put a roof over our heads, feed my family and pay
the mortgage and credit card arrearage, I’m cool.”
 15

“Money does not grow on trees neither is it

littered in the streets.”
“Some are destined to be great and some are
destined to be paupers.”
“Wealth dents character.”
“Get more degrees so that you can land a high
paying job.”
“Child, you must strive to become a medical doctor,
an engineer or a banker, otherwise you’ll be poor
for life.”
“No rich man will get into heaven.”
“Wealth is synonymous to selfishness.”
One or more of these and maybe some others
outside this list may be what you were taught by
precept or example while you were growing up. This
is the time for you to unlearn them as they are
barricades to your getting rich. As I began reading
books and getting the right information concerning
money, I had to set myself free by trashing those
 16

false beliefs and clichés and that opened up a new

world of possibilities for me. At this point,
contemplate on those negative tenets you imbibed
in the past. Write out counterstatements of them.
Every morning for the next 21 days, read each of
those counterstatements aloud. When you do this,
gradually it registers in your subconscious mind
and the part of your cognitive brain where belief
theories are reposited.
What is your self-concept? How do you see
yourself? Who are you in your own point of view?
Past experiences, environment and self-standards
and ideals determine your self-concept and your
self-concept in turn effectuates your pattern of
behavior and your motivation toward pursuing
greatness in life and life endeavors. It is often
molded by past experiences, parental upbringing,
the surroundings and life ambitions. You must
assess your self-image and upgrade it because a
poor self-image or self-concept will produce self-
limiting beliefs and will hamper your ascension up
the ladder of financial success.
 17

Let me show you a trick – if you truly want to be

wealthy, do not pursue money! Sounds
controversial right? Now, see. To be affluent,
passionately pursue value creation, for when you do
so, money will naturally follow. In your job begin to
find a way to give more both quantitatively and
qualitatively. Garner more knowledge on how you
can offer more classic services. Read books, go to
paragons for advice, study the style of role models
and reproduce it in your own activities. If you own
a business, seek for better ways to serve and
constantly improve on your commodities. Let your
slogan be ‘more for others’ and more money will be
credited unto you. If you currently do not have a
tangible source of income, look inward and consider
what skills, talents or abilities are embedded in
you and how you can use them to solve people’s
problems. Life is a perpetual game of give and take.
When you give, you receive in the same proportion.
Larry Page and Sergey Brin tried to enhance
internet search and they founded Google LLC.
Today they both are billionaires. Mark Zuckerberg
 18

craved connecting people all over the world and he

developed Facebook. Billions of dollars are now
saved in his name. Elon Musk invented electric cars
and other striking innovations that enhance lives
and he attracted billions of dollars to himself.
When you proffer solution to the world, you get
back some returns for it. This is synonymous to
the natural Newton’s third motion law that “to
every action there is an equal but opposite
reaction”.
GETTING RICH IS TRULY EASY
The conditioning most of us grew up with is that
wealth amassment is an arduous tardy endeavor.
They told us that the harder we work and the
longer, the more money we earn and the faster we
can get rich. I saw people who work round the
clock but are in debt up to their eyelashes. I
encountered people who work as long as 90 hours
every blessed week but cannot readily afford a
simple blood pressure checker to at least monitor
their health in such back-breaking work routine.
 19

There are laws guiding the perpetual events in the

universe. There are rules for success. There are
rules for becoming a millionaire as well. Those
principles required for getting rich will you find in
this book as you read on. If you leverage them, you
will automatically reap the fruit of wealth, but if
you refuse to comply with them, you will only
remain where you have been or perhaps wind up
worse. Becoming well-to-do is that easy – follow
the rules and succeed, ignore them and get
nothing.
American born Jim Rohn told his story over and
over how that he deliberately dropped out of
college because he felt he was smart enough
already. Shortly after, he got married and started
a family. It didn’t take long before privation and
hardship set in and he became pauperized to the
extent that he could not afford a two-dollar Girl
Scout cookies! In the peak of his saturnine
condition, he found a mentor who taught him the
rules of getting wealthy. Following the rules, he
became wealthy at 31 and remained so till he died
 20

at 79. As at the time he died, he was worth over

$500million.
History is packed with countless people who began
life in penury but made the decision to break free
from it. They sought knowledge regarding the
means of escape, found it, utilized it and things
changed. Success does not come by accident. It
does not come by merely wishing for it. Moheed
Altrad, born into a nomadic tribe in a desert,
raised in poverty by his grandmother and travelled
to France for his university education where he
survived on one meal each day, became the owner
of a company that manufactures scaffolding and
over time acquired a net worth of $2.6 billion.
Stephen Bisciotti lost his dad at the age of eight
and had to work to go through college, but at 23
he co-founded a company and became worth $4.5
billion. WhatsApp founder Jan Koum worth over
$9.1 billion once swept floors for shopkeepers to
survive. Del Veecchio who grew up in the orphanage
because his widowed mom could not carter for all
five kids at once, today is the owner of a sunglass
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and medicated glass producing company and is

worth over $10 billion. There is a price to every
commodity in the store as well as to every
achievement in life. The price to becoming a
millionaire which is detailed in the chapters herein
must be paid to become one. No price, no prize.
Period!
UNLEARNING THE DIFFICULTY MINDSET
Every individual, at the time when the mind is
incorporated into them during the second or third
month of fetal development in the womb, had a
stark empty mind void of knowledge which in Latin
is referred to as ‘tabula rasa’ (translated as ‘clean
slate’). Over time we learn various concepts and
beliefs from environments, cultures and
educations. Learning transforms the mind and
consequently the whole being.
Nevertheless, part of the information we received
and held on to have kept us bound. Englishman
Francis Bacon has this famous quote that “a man is
but what he knows”. The totality of the knowledge
 22

we have is tantamount to our current status. For

some of us, our humble beginnings have
programmed and conditioned us to believe and
think that life is hard and unfair, and that crossing
the bridge of opulence and abundance is either
very difficult or near impossible. Such orientation
is very trammeling and disastrous. The way out is
to unlearn all such self-limiting convictions and
beliefs. A California-born baseball player, Leon
Brown, once said something important about this:
“Every day you must unlearn the ways that hold you
back. You must rid yourself of negativity, so you
can learn to fly”.
Unlearning is a must for anyone who seeks to rise
higher in life, more importantly with regards to
some of our ideologies concerning wealth
acquisition and success. Not everyone who works
hard for money becomes wealthy otherwise logging
workers and miners would have been the richest.
The route to riches is not in engaging in hard work,
energy-intensive or time-intensive labor but in
producing a sky-high value output per time. The
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rich put in the same effort and time into their

enterprise as the poor and in some cases even less
than the poor but procure many times more output
than them. Efficiency is the slogan, not hardwork.
BELIEVE FIRST
Roger Bannister, an English athlete, was the first
to run one full mile in four minutes at a time when
everyone thought it impossible. He was the first
runner to achieve that feat in all of history. Unlike
everyone else, Roger first saw a possibility in the
impossible and then he believed in himself that he
himself had the capacity to make the inconceivable
happen. Consequent to this, 37 other athletes plied
the same speed.
Breaking new grounds begins at the heart.
Whatever you imagine and believe you can bring to
reality, that you can. God made man the only being
capable of super-intelligence. He created man out
of tangible material and in His likeness, making man
a creator like Himself. Creation begins from the
heart and to create the millionaire status you so
 24

desire for yourself, you must first believe that it

is possible and you must believe in yourself – that
it is possible for you. Regardless of your
background and past, irrespective of what is now,
you can become worth a million dollars! Millions of
folks have become millionaires since antiquity and
some began from hopelessly horrible backgrounds.
If millions can, then you can. Let this impel you to
pursue your million-dollar ambition.

UNDERSTAND THE PRINCIPLES OF LIFE

The physical universe is controlled by patterns and
principles and these work anytime and anywhere.
They determine outcomes and occurrences among
plants, among microbes, among birds, in
engineering, in government, in education, in every
society and in every sector in the sphere of life.
Successful people understand these laws and they
harness them deliberately or inadvertently in their
favor. These principles are practically infallible
truths and they are numerous. I will point out a
 25

few of them which if you understand intensely and

exploit, you will succeed.
THE LAW OF CAUSE AND EFFECT
“The law of cause and effect states that, to every
cause there is an effect and to every effect there
is a cause.”
An obsolete version of it is “to every smoke there
is a fire”. It’s outdated because today we can have
smoke without fire and fire without smoke. The
fire here is the cause or source while the smoke is
the effect or outcome. A physics law (Newton’s
third law of motion) is a paraphrase of this law and
it reads – “to every action, there is an equal but
opposite reaction”. Another way to put it is to say
“whatever you sow, that shall you reap” or “you will
receive a proportionately equal compensation for
what you give out”. The Bible says “give and it shall
be given unto you”.
A price must be paid for any resultant to occur,
and if no action is taken, there won’t be any
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reaction. Negative actions breed negative results

while positive actions engender positive
consequences. You don’t expect to maintain a good
health if you go about smoking, taking alcohol and
consuming bad diet. Leadership expert John
Maxwell said that there is nothing like an
accidental success and that you can’t find a man at
the top of a mountain and ask him how he got
there, only for him to tell you that he has no idea
how. To get rich in health, spiritually, mentally,
emotionally, academically and very importantly
financially, you must begin to take conscious effort
to pay the price that will generate it. Take stock
of your life in the past ten years for those habits,
routines and approaches you have been living on
that have effectuated your present condition.
Determine what replacement therapy you will need
to put in place to set you on the high road to
wealth even as you read on. If you do not take the
step to alter your pattern, you 0will continue to
get the same result. Insanity, they say, is doing
the same thing repeatedly and expecting a
 27

different result. You cannot sow maize and expect

to harvest apples. Impossible!
LAW OF PERPETUAL MOTION
“Life conditions are not constant, but they change
time after time.”
This can also be referred to as the law of rhythm.
According to it, “no condition is permanent”.
Everything is in a state of flux and times are
changing. There was once a time when mechanical
engines ran on coal, when machines and factories
used steam engines, cameras took eight hours to
capture an image and typing required the use of a
typewriter. Governments used to be those of
monarchy and autocracy all over the world before
the advent of democracy. Every year we get a
constant change of seasons. The only constant
thing, as they put it, on earth is change. In
eduction, your financial status can change. You can
deliberately induce that happenstance you so
desire. Sufficient insight about this fact will
obliterate despondency in you.
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LAW OF ENTROPY
“Everything tends toward disorderliness.”
According to the law physicists call the Second
Law of Thermodynamics, “the entropy of a closed
system always increases over time”. Entropy is
simply a measure of disorder. The law of entropy
explains the reason things turn bad from time to
time. It tells why flowers overgrow and have need
for pruning; why your bodily condition will continue
to dilapidate if you do not take care of it by diet,
hygiene, rest and exercise; why mechanical
equipment need regular servicing or they would get
vitiated; why children will regress into decadence
except they are given sufficient dosage of good
parenting. Things will continue to escalate in a
close system. A close system is one that has no
external influence or force acting on it. This law
teaches us that if you do not take a conscious and
deliberate effort to develop yourself, better your
life and progress, your life will congenially and
effortlessly nosedive. Success does not come
 29

accidentally but failure can come inadvertently.

The truth and infallibility of this law in nature
explicates the blunder of the theory of evolution:
things don’t get better without some exertion;
they decline.
LAW OF POLARITY
”Everything has an opposite side.”
To every negative, there is a positive. If there is
evil, there is also good. There are diametric sides
to things. Inferentially, every problem on earth
has a solution. You can highlight that statement
and reiterate it a hundred thousand times! The
heretofore incurable diseases of humans and
animals have a cure though yet undiscovered.
Despair and pessimism are uncalled for because
there is always a way out of every maze. The
solution we need often resides outside our comfort
zone. Someone once said that you don’t climb the
ladder of success with your hands in your pockets.
To get extricated out of poverty or any challenge
in life, you must have cognizance of the very key,
 30

the very knowledge or idea that it takes to solve

the problem.
LAW OF ACTION
“Action is what brings imagination, dreams,
blueprints, ideas and promises into manifest
reality.”
Nothing works until you do. If you have the most
fructuous idea or the most fecund master plan but
you don’t have sufficient energy to overcome the
inertia of action - the unwillingness to take the
first step - your idea will never see the light of
day. Every accomplishment, feat, success, triumph
and invention of man began when one man or woman
or a band of them leapt out of their comfort
zones, resisting the resisting forces of life, to act,
taking the step to pursue an objective. No action,
no accomplishment. You can’t cross your hands or
go asleeping in your bedroom and expect to become
a millionaire accidentally. So many people live
through their lives hoping for some luck that will
just appear and make them rich while they remain
 31

unwilling to do what it takes to attain wealth. Many

of them live up to old age and die poor, quite
unfortunately. Some of them fall prey to
fraudsters and lottery and gamble failures just
because they are looking for the shortcut to
wealth. You can’t cheat nature or its guiding
principles. Knowledge alone is not power but
knowledge combined with action based on the
knowledge.

THE THREE BARRICADES OF FINANCIAL

SUCCESS
The way up the hill-slope of financial success is
cushy and comfy if you understand and apply the
principles thereof. However, there are some traits
that are fiendish to the attainment of wealth.
Wielding one of them will prevent you from rising,
exerting all will squelch you down in uninterrupted
poverty. These obstacle traits are many, but most
 32

of them can be summarized into three mounds

namely – pessimism, inertia and solitude.
PESSIMISM
This is an inclination to expect negative things to
happen perhaps in a project or in life generally.
Naturally, your mind has a very strong influence on
your reality so that in most cases, whatever you
focus on becomes your actuality. A pessimistic
panorama of things can throttle your motivation to
take the necessary steps to win, because you think
you’ll lose afterall. It will make you lethargic,
apathetic and have a high chance of failure. They
often possess a great lack of self-confidence. If
you are inclined to pessimism, to seeing something
to be half-empty rather than half-full, to seeing
the negative sides of things and people rather than
the positive sides, to disdaining ideas or people
before they ever have the chance to prove
themselves, you will lose out on a host of
opportunities of life and erode your chances of
 33

becoming a millionaire. Therefore, change your

perspective.
INERTIA
This is the general unwillingness, inability or lack
of drive to take the first step to begin a cause or
to change course from the status quo. Remember
the law of action – if you don’t do anything nothing
will happen, your dreams will not manifest. Many
people take pleasure in spending hours daily talking
about the bad state of things in the polity, in the
economy, in their family, in their health, in their
finances and more, but they are not ready to move
an inch to change things. The world is so full of
dreamers and wishers who are not willing to take
the adventure which stands between their current
state and their dream. Get ready to take your
first step today. It could be making the first
sentence in a book you want to write, registering a
business you want to begin, signing up for a course
you want to pursue, going all out in search of your
 34

first prospect for a commodity you want to sell,

whatever it is.
SOLITUDE
No being or entity can survive alone. They all
depend on one another for one thing or the other.
Even machines rely on fuel for combustive energy,
maintenance tools for repair when they get bad
and operating engineers to control them. You need
people, really. It’s people that can motivate you.
It’s people that will counsel you. It’s people that
will fund your venture. People will patronize you.
People will work for you. Your bankers are people.
Your brokers, lawyers, agents, managers, and
suppliers are folks. Folklore has the saying that
“two heads are better than one” because two
people collectively can produce better wisdom and
sagacity when they come together to deliberate on
a matter. ”No man is an island” they often say.
Obliterate cynicism in your mind and embrace
teamwork. Learn to leverage on the ability of
others. No one can establish a large enterprise and
 35

run it alone. There is a need for the business

partners, employees and others that play their
roles in the existence of the business.

ACTIVITY
Outline the specific things to do based on the
information given in this chapter to become a
millionaire.
Begin RIGHT NOW to do them so that you can get
on the fast track to becoming a millionaire.
 36

CHAPTER 2

THE PSYCHOLOGY AND HABITS FOR

TRANSITIONING INTO WEALTH

“Getting rich isn’t about a magic pill that

puts money in your bank account for doing
nothing. It’s not about hitting the lotto. It’s
not about waiting for someone to do
something for you. It’s about changing your
habits and your thoughts. And you can start
today.”
Dean Graziosi

Every conversation with every millionaire you

interview who had a humble beginning before they
 37

built their fortune will prove to you that there are

specific routines and a specific kind of lifestyle
and thinking that are exhibited by these people
that set them out of the rest and put them in pace
for success. Rich folks think big and they aren’t
afraid of building castles in the air. Henry David
Thoreau once said: “If you have built castles in the
air, your works need not be lost; that is where
they should be. Now put the foundations under
them.” They are very apt to acting upon their plans
and word. They sally forth their comfort region
because they understand its affluent barrenness.
They do what needs to be done in time avoiding
procrastination. They exhibit compact focus,
sticking to a particular project (a business, career
or ambition) till it is accomplished. Millionaires are
frugal in their spending, spending below their
means and ensuring that they anticipate and plan
every dollar before parting with it. There is a
common saying of the Igbo race from Africa that
“wastefulness does not make one wealthy”. They
 38

have a peachy savings plan where they keep a

minimum of 20% of their earnings to invest.
It was from my friend, Christian Leelee, I learnt
that we succeed numerous times and in numerous
ways everyday. Chris is a former CDS president of
an organization charged with the responsibility for
peace advancement. We should learn to cherish,
relish, be grateful for and draw motivation from
the accomplishments like the fixing of a faulty car,
the cooking of a delicious meal, the finishing of a
book, the completing of a brief workout session
and many others.
You will never be richer than your financial
orientation, and this orientation is largely
dependent on your upbringing and background
environmental influence. For instance, if your
orientation is fixed at a thousand bucks, your net
worth will hover around that amount. If you hit a
million, you will innately find such amount so
superfluous and engage in behaviors that bring it
down to the usual one thousand. As well, when it
 39

gets lower than a thousand, you will try to do

things that will level it up to a thousand. For you to
become a millionaire, you must reprogram your
financial orientation.

PURSUE YOUR LIFEWORK

In the words of Terry Orlick, “the heart of human
excellence often begins to beat when you discover
a pursuit that absorbs you, frees you, challenges
you or gives you a sense of meaning, joy or passion.
Henry Ford even said that “the whole secret of a
successful life is to find out what is one’s destiny
to do and then do it”. That ’one’s destiny to do’ or
that ‘pursuit’ can be referred to as one’s lifework,
that for which one was created and the reason for
which one was brought into existence by God. Your
lifework is very much in line with the productive
thing you enjoy doing. When choosing a career or a
business that will serve as the wellspring of your
millions of dollars, do not go far away from your
life purpose. The reason is that along the way,
 40

there will be obstacles and difficulties of all grade

and magnitude so that if you do not have a
sufficient measure of passion, willpower and
natural fondness for what you do, you will be
forced to throw in the towel. The law of entropy
proves that life can be full troubles. Following your
life-passion gives you a sense of satisfaction and
inner happiness that helps you to ride on the wings
of the storm that will necessarily come our way in
the course of time in your pursuit of success.

GET PASSIONATE
Consider your desire – to become a millionaire. At
this point, you need to ask yourself these very
pivotal questions – “what drives me?”, “why do I
want to get rich?”. It’s very important for you to
have a ‘why’ that you remind yourself of whenever
the odds come against you. At this point, get a
sheet of paper and list out five powerful reasons
why you want the millions. Write each of them out
in this manner:
 41

“I must get rich because …………………………………...”

Paste it boldly in your bedroom and read it aloud to
yourself every morning when you rise up and every
night before you go to bed. This is one of those
things that can well up passion in you.
Passion is that inner force, enthusiasm, drive,
energy and burning fire inside of you that makes
you a moving train or a massive rolling rock that
crushes whatever obstruction it meets along the
way. No passive and enervated person will ever
achieve any extraordinary feat. Life seems tough
sometimes and only the tough overcome. You
cannot become a millionaire if you do not possess
an uncommon impulse or impetus.
When I think of passion I think of a man, a man
amongst men, the man Alexander the great.
Alexander was an ancient Macedonian king who
existed in the 4th century BC. He experienced
rulership of a nation from age 16 and became a
full-fledge king at age 20. He determined never to
live an average life but to transcend in every way
 42

possible. His great zeal for matchless success

drove him to develop the greatest of armies
wielding the greatest of strategies and logistics,
establishing the best of trade centers, attaining
the greatest of wealth, carrying out the largest of
weddings, putting up the most luxurious of
banquets, building up the greatest of empires, and
conducting the loftiest of military feats in about
12 years of his regal life.
Usain Bolt became the fastest man in the world by
determination. Muhammed Ali became the first to
win a boxing world championship for three times
because he ardently pursued it. Colonel Harland
Sanders became a world famous personality when
he began Kentucky Fried Chicken (KFC) at 65. We
are told that he had 1009 rejections with his KFC
recipe before the first restaurant agreed to sell
his chicken. Who would get rejected up to a
thousand times and still remain appetent who is not
fervid?
 43

SEEK AFTER KNOWLEDGE INCESSANTLY

If you want to get rich, you need to go all out in
search of information as to how to. Voraciously
feast on books that teach you how to attain wealth
and to succeed. Listen to tapes and records of
wealthy people. Invest time and money on self-
development. Knowledge is power when put into
action, but how can you act upon the knowledge you
do not have? An individual who has never trained in
the science of medicine can never practice it
because he does not know how to. Knowledge
enables you to be able to do a particular thing.
Therefore, you must spend the major part of your
free time to read books and listen to seminar
talks. All millionaires and billionaires have one thing
in common – a great relish for knowledge. Jim Rohn
was penniless at age 25 as a married man. He didn’t
want to remain poor, so he sought for information
as to how to make a fortune and to become a
millionaire. In his persistent quest for knowledge,
he met his mentor and that kicked off a whole new
 44

era of transformation in his financial, social and

career life.

MODEL THE STYLE OF

ALREADY-MILLIONAIRES
If you do exactly what millionaires did to get rich,
you will equally get rich, no more, no less. If you
continue to live, think, act and approach life like
the poor and maintain their attitude, you will
remain poor. It’s preposterous to do one thing over
again and expect a different result. Rich people
pick mentors of those who have got what they are
seeking after. They do whatever it takes to get
such successful individuals to guide and coach
them till they attain it. They follow their habits
and style of life.
Some of the habits of millionaire that helped them
to get rich and distinguished them from all others
are that they have discovered their life purpose
and they now pursue it with determined focus;
 45

they set daily goals, weekly goals, monthly goals

and yearly goals and they get those goals written
down; they have a high level of emotional
intelligence; they have good control over their
appetite; they spend within their means; they
readily spend money buying commodities that will
generate income in the course of time; they are
very critical about the use of their time; they
establish relationship with those who are rich;
they are extensive readers of books on success
and wealth acquisition; they hate to remain within
their comfort zones, always itching to take
calculated risks and adventures to explore new
heights; they are ready learners, applying counsels
with wisdom. Studying the approach of millionaires
to business and career and emulating them, you are
bound to become like one of them in a very short
while.
The thought-line of the rich is depicted in the
Entrepreneur’s Credo written by Thomas Paine, the
acclaimed Father of the American Revolution.
Those who would get rich are those who prefer to
 46

face challenges to remaining dependent, in lack and

at ease with past glories. They understand that
there are more territories to conquer, more
customers to reach and more money out there to
make, therefore they reach out with more vigor
and determined resolve for more.

TIME MANAGEMENT
You must gain mastery over your time in your quest
to get rich. There are 24 hours, 1440 minutes and
86400 seconds in a day, and every Tom, Dick and
Harry has the same daily allocation of time.
Eric Thomas gives a very big shot at the subject
of time management in his words;
“What’s NOW? No-Opportunities-Wasted!
Listen to me carefully…this is important. There are
86400 seconds in a day and if you maximize each
 47

and every one of them, you’ll live like you want to

live, you’ll have what you want to have and you’ll be
what you want to be.”
To become a millionaire, you must discipline
yourself big time to your use of even a second or a
minute. You’ll have to rise up early everyday to
begin fruitful work and self development activities
long before the average people awake. This is to
acquire for yourself a longer span of usable time.
The exceedingly rich wake up very early, some,
even as early as 3:00am. Ensure that you also have
for yourself a to-do list for the day, of operations,
works and projects that will bring you money and
earn you other forms of success before you set
out to begin any day. Rewrite your list in order of
importance, complexity, value and money-
generating ability and begin with the highest,
holding onto it till you accomplish it before picking
the next task. Delegate those tasks that are
delegateable to someone else so that you can focus
on those that are not. Sunday Adelaja once said
that he happens to be so busy that he commits to
 48

someone else assignable duties like driving him

around in his car. Before engaging in anything, ask
yourself of what value such will bring you. Remind
yourself that time is money and perhaps more
valuable than money. Never get working two or
many tasks at one time. Multitasking is grossly
under-productive and will readily weary you out.
The rule should be sticking to one with laser focus
until it is completed. When on serious work, avoid
unnecessary intermediary breaks, email checking,
brief chit-chats and stuff. Do works with the
greatest value that generate the greatest return
possible. Create value per unit time. Shun
nonessential activities. Whatever you are occupied
with, do it with all your heart, passion and
attention, even when you are taking a vacation. Let
there be no work during vacation and no vacation
during work. Vacations should only come after a
worthy feat has been achieved. Never
procrastinate a task for up to a minute. Attend it
with a high sense of urgency. Research shows that
a few operations, projects, endeavors, products,
 49

customers, tactics, skills, markets, etc., generate

the majority of the outcome. Identify these few
and spend most of your time on them.

TARGET SETTING
Imagine a person who wakes up one morning, gets
into her car and begins to drive around without any
destination in mind. She will drive all day, having
wasted her whole day and fuel without any specific
achievement. How about two teams of football
players playing on the field without goal posts?
They will play till they all get tired, bored and
angry with themselves because there is no
standard of measurement for victory. These
analogies describe the majority who also happen to
be the poor majority. They go through life on lousy
routines, without any definite ambition or goal. On
a sheet of paper, write down how long you desire
to acquire your first one million dollars. If it is in
 50

years, divide the amount among the years to

determine how much you must make in a year. Now
divide the yearly allocation by 12 months to find
out how much you have to get in a month. Do this
for the days that make up a month to ascertain
your daily money goal. At this point, do not get
terrified by the number, but what you have to do
is to think of what venture you must start up or
what services you must begin to render on a daily
basis to be able to meet up and even exceed your
daily money goal. Not every money-making
enterprise is worth your time, but those which can
help you reach your target. If there happens to be
a skill you may need to learn to boost productivity,
go learn it. Let your daily to-do list include
programs for self-development – books you should
read, audio tapes you should listen to at home or
while in the car on the move, workout sessions you
should take (workout and exercise release
biochemicals that keep you positive and they are
necessary for mental and physical development and
wellbeing), seminars and webinars you should
 51

attend and the likes of them. You may need your

lifetime goals, five-year goals, yearly goals,
monthly goals and daily goals, but your focus on
and accomplishment of daily goals will bring the
rest to fulfillment.

DREAM VS GOAL
Goal and dream have been used interchangeably by
many to their detriment. Both are desires, longings
and ambitions, but the difference between them is
that while a goal is an ambition backed up by an
action plan for its realization, a dream is merely a
desire, a wish or a vision without a set strategy for
its actualization. A dream is like a being without a
structure – it cannot go beyond the ground. Your
desire to attain wealth prompted you to go for this
pearly meritorious book, but if you do not abet
that desire with the action steps you are getting
herein and a strategic plan, your desire will only
turn out, as it were, a wish for the wind, and as the
 52

saying goes, “if wishes were horses, beggars will

ride on them”.

BECOME ACTION-ORIENTED
For emphasis, it has been reiterated the gross
importance of action. All plans, strategies, ideas
and deliberations without action are like a car
without an engine or a mighty elephant that is only
dead: it is meaningless and cannot produce result.
When you have made your plans, it is now time to
put them into action. Begin at the beginning. Take
the first step. Your becoming a millionaire can
begin with making the first dollar. The journey to
the capitol begins with the first inch. By the Law
of Action, if you do not surmount the inertia that
keeps you from taking the inaugural step to pursue
an objective you will never accomplish such
objective. So, what is the first step in your
millionaire blueprint? Is it to acquire a skill that
 53

will enable you to earn more money? Go get it. Is it

to sell the first product in a product line? Go sell
it. Is it to begin to manufacture some goods or to
write a software? Go make it. Is it to render a
service to a customer out there in need of it?
What are you waiting for? Is it joining a network
marketing project? You don’t have to wait another
day. Is it applying to become part of a company or
a professional organization? You should be on your
way to doing that right away. Whatever lawful
enterprise, determine your first step and hit it as
soon as possible.

CONSISTENCY IS KEY
After you have taken the first stride on the
course to the million, you must not stop there.
Take the challenge to face it till you make it.
Oftentimes people face challenges at the initial
stage of their adventures. If you renege because
of the storm, your case will be that of an
unfinished project. Sometimes, people begin a
 54

project, hit the wall, and instead of breaking the

wall and continuing on the road behind the wall,
they quit and go launch another, hit another wall,
quit, start another, hit the wall and quit. They
continue to run around this cycle as days compound
into years. According to Zig Ziglar, character is
persisting in a thing long after the excitement of
the moment has passed. You must keep on keeping
on even when there is no inner motivation or drive.
When you achieve your aim of becoming a
millionaire, that in itself becomes a motivation for
you for more millions and for others to see the
possibility of pursuing an aspiration and
succeeding. Note that it becomes much easier to
make more millions only after you have made the
first. Shortly after Microsoft co-founder Bill
Gates became a millionaire, he became a billionaire.
 55

ACTIVITY
Outline the specific things to do based on the
information given in this chapter to become a
millionaire.
Begin RIGHT NOW to do them so that you can get
on the fast track to becoming a millionaire.
 56

CHAPTER 3

REACHING FORTH

“Don’t stay in bed unless you make money in

bed”.
George Burns

Now, you must get all up to pursue your dream, or

better put your goal. Wealth empowers. It enables
you to do certain things the others cannot do. It
gives you the capacity to help the poor, helpless
and rejected of the society. It gives you the
means to fund projects that are arranged for the
good of humanity. In opulence, life becomes easy
and more comfortable for you. People who
 57

daydream of wealth but will not act their way into

it will only remain poor except if they would
stumble upon riches by chance, which is a near
impossibility. Action is more powerful than idea. A
110% effort is more effective than talent. Take
note of these puissant information given here and
put them to work with all alacrity.

SERVE MORE PEOPLE

Do you know that your ability to succeed in life is
tied to people? People gave birth to you. People
nursed you. People educated you. Those who
superintend the organization where you work are
people. Those who are subordinate to you are
people. Your salespeople are people. Your clients
also are. There is a key secret I want to leak to
you here that will turn millions of dollars into your
pocket if you harness it. It’s something many do
not know and that is why they never get rich even
after many years of work. It works like a miracle
and will fetch you a fortune within the shortest
 58

possible period of time. Do you want to find out

what it is? Read on.
Imagine if this book you are reading, this fortune-
maker for the reader, makes the writer a profit of
$10. If a hundred buyers pay for it, how much will
I make? $1000 of course. Does that make me a
millionaire? No! If a hundred thousand potential
millionaires buy it, how much will that earn me? A
million dollars actually. Now, what is the
difference between both examples?
“The more people you serve, the richer you
become.”
This is the wand of wonder you need my friend.
Think of how you can expand your horizon, right
now, to reach more people because more people
makes more profit and more patronage means more
money. While you work on increasing your customer
circle, you need to improve your customer service
with those who already order from you. Let me
give you a number of hacks that will backstop you
in this regard:
 59

*Engage more effective advertising that is majorly

targeted at attracting new customers.
*Give viable discounts to your customers to make
them prefer you to other like commodity providers.
*Treat them with a high sense of importance. Make
them feel honored and valued.
*Ask them for feedback on the commodity and the
customer service.
*Be patient with them, even when they appear to be
asking too many questions. They came to you
because they have a need and they want it met.
*Try to read their moods and emotions, and
respond to them accordingly.
*Always listen attentively to know exactly what
they want.
*Try as much as possible to ensure that everything
you are known to sell is always in stock. This is to
avoid disappointing your customers by always telling
them that one commodity or the other is
 60

unavailable, which will make them move to other

sellers who are ready to do whatever it will take to
keep them.
*Be friendly with your customers. This is key.
*Be concerned about what they are concerned
about. Ask after their family, kids, work and stuff.
Go the extra mile to know the names of their kids,
for instance. It shows that they are really
important to you. Understand the product
profoundly to be able to explain it remarkably to
answer your customers’ questions and clear all their
doubts.
*Keep in touch with your customers regularly, even
when they aren’t buying.
*Be trustworthy and let your customers see you as
so.
Reach out to more buyers. If you serve those
within your locality, extend it to others in your
city, then country. Go international. A good means
 61

of expanding your domain is going online. With this,

you will soon be counting your millions.

GO DIGITAL
This is a very good way to reach out to more
people and expand your business from being just
local to being global in this digital age. Many
businesses have improved from selling to hundreds
or thousands of customers to selling to millions of
them by going online. People now make $5000 to
$2000000 monthly or biweekly through online
trading. Don’t continue to remain a spectator but
become a participator. Billions of dollars are made
annually online legitimately. While you merchandise
offline, you need to include the online platform to
your aids to trade. Take a step right away. This
concept cannot be overemphasized.
To start, go learn the art of online trading.
Acquire the skills of e-commerce first. Read
articles on it. Take classes on it. Such courses are
available online, some are even completely free of
charge. When you build yourself on this, it will
 62

enable you to know the right position to cast your

net and how and where to focus your attention to
get more patronage. Some of the e-commerce
skills that will be useful in business are e-
advertising, data analytics, email marketing, search
engine optimization and digital marketing. I bet e-
commerce is the easiest way to do business and
make more money. It does not require so much
time and stress. There are people who engage in e-
business only, nothing offline, yet they make more
than ten times what successful offline
businesspeople make. Do you want to become a
multi-millionaire quickly? Think digital.

GROW, EXPAND YOUR VISION

Every business owner should have a growth plan as
part of their business plan. Never be satisfied
with where you are currently. As you celebrate
your current success, don’t sit on your oars. Forge
ahead. There are more grounds to break and new
 63

heights to reach. Life is progressive, therefore

you ought to be progressive as well. No man has
ever, can ever and will ever reach the full height
of complete perfection, therefore, we must
continue to enjoy the game of progression. When
you begin with one product, advance and improve on
it till it becomes established, then add in a second
product, then a third and on and on. If your reach
happens to be within your community, stretch out
to the rest of your town, then your State or
Province, then your country, then a second country,
then your continent, move on to the second
continent and before you know it, your business
becomes global. Nestlé, one of the world biggest
food and beverage companies, got to where it is
today through this process. Countless others too
are in this category.
One way you can expand your business is by
increasing your capital. Capital can be increased by
sourcing fund externally through loan, from
investors, bank overdraft, credit cards and stuff,
but the best and safest source is internally – your
 64

Return On Investment (ROI). This is for those who

already have businesses running. Your ROI is the
profit you make from your business. You can make
plans to reinvest all or part of it into your business
thereby growing your capital and your business. As
you do so, the need to open branches of your
company will arise soon.
Many of the people I knew in my childhood
days to be rich, I grew up to see go
bankrupt. I studied to know why it happened so.
Was it the global economic meltdown? Then I
discovered that it was not entirely so,
afterall many initially poor men and ladies have
recently become affluent even in the midst of
the economic downswing. I realized that while
they were earning fat in those days, they did
not make any attempt to grow their earning.
Now, the wind of inflation, recession, escalated
expenses and financial responsibilities, currency
devaluation, and perhaps increased taxation has
blown them out of their place. Let your
 65

watchword be “forward ever, stagnation never,

backward never”.

WHAT IS YOUR SELLING POINT?

Your unique selling point is that special
feature that brings your products or services
out, attract customers and make them prefer
yours to those of competitors within the same
line of products as yours. In a competitive
market, if you do not have a unique selling
point, you will simply be struggling with your
competitors and never outperform them. You
are bound to lose your customers very soon. I
remember some time ago, my mom came
complaining to me that a young man in her
locality began selling a commodity which she
sold too. That product sells at 200 units of
the currency of my country for each. When
the lad began, we don’t know how he did it,
but he was selling at 150 units for each! Boy,
everybody kept dashing to him to buy that
product! For my mom and the others, the cost
 66

price itself was more than the amount the

young man sold, so they easily ran out of
business. That reduced price was his unique selling
point. In the days when Tecno android phones got
into the African market, all other android phones
were simply very expensive and unaffordable to
the common man. Tecno had most or all of the
features of those costly smart phones but sold for
less than 40% as much as them. This attracted a
lot of purchases then. That reduced cost was its
selling point. A little more value, a little more
customer attention, a little gift inside the pack, a
little discount, a little improvement from the
conventional, a little more assurance of security, a
slight enhancement in advertisement approach,
that little extra mile you go could be what will
make your commodity stand out from the others in
the market.
 67

DEVELOP A MONOPOLY
If you want to acquire wealth without having to
build it up in a span of forty years or fifty, then
you need to do a paradigm shift from the job-
mentality to the business-mentality. If you already
have a job on which you work as an employee, I do
not mean that you quit your job just immediately.
Begin a side hustle, a business that you may
combine with your job. When you grow your side-
business, it will get to the state where you will not
need your job anymore, when you can quit your job
and pay full-time attention to your business. In
this era, it is a big risk to depend on just jobs as a
source of livelihood. People get retrenched
indiscriminately these days because their
employers can no longer pay them. Sometimes,
payment of wages is delayed. Furthermore, your
hardwork only gets rewarded with tips, bonuses
and pay-raises, whereas your hardwork in business
can double or triple your income.
In deciding on the choice of the line of business to
engage in, there is a noteworthy point to consider.
 68

Rather than getting into doing what others are

already doing, why not develop a product or a
service type that is altogether novel, or modify
upon an existing commodity line. This will give you
control over that commodity and make you the only
maker and supplier of your own intellectual
property. This gives rise to a monopoly. In this
case, you can serve the customers of your product
with fantastic quality and at a modest price
without having to compete with any other business.
Imagine that your company serves the market
alone on a product. All the profits come to you and
you serve your patrons to the best of their taste.
This is a high road to wealth, wealth for you and a
solution for others. You see, to get rich, you have
to solve any of the numerous problems in the
society, so that as you get their problem figured
out, they pay you in return. Life is a give-and-take
affair. There are several businesses that are
monopolistic in nature. But then, go over and
ensure to abide by the guiding rules on monopoly in
your location.
 69

HARNESS THE POWER OF COMPOUND

INTEREST
According to Albert Einstein, compound interest is
the most powerful force in the universe! He also
stated that it is the 8th wonder of the world.
Here’s what it looks like. Let’s assume I own and run
a grocery store that I started with $3000 and the
store earns me an average of 200% profit in a month.
That means that after the first month, I’d be having
a total of $9000 in hand, capital and profit, ignoring
other factors. Now, if I decide to reinvest the whole
$9000, at the end of the second month, I’d have
amassed the gross sum of $27000 (i.e. $18000 profit
plus $9000 capital). Table 3.1 explains the comparison
more elaborately.
 70

Table 3.1: An ideal representation of the concept

of compound interest

TIME WITHOUT WITH COMPOUND

COMPOUND INTEREST
INTEREST
MONTH 1 CAPITAL $3000 CAPITAL $3000
PROFIT $6000 PROFIT $6000
MONTH 2 CAPITAL $3000 CAPITAL $9000
PROFIT $6000 PROFIT $18000
MONTH 3 CAPITAL $3000 CAPITAL $27000
PROFIT $6000 PROFIT $54000
MONTH 4 CAPITAL $3000 CAPITAL $81000
PROFIT $6000 PROFIT $162000
MONTH 5 CAPITAL $3000 CAPITAL $243000
PROFIT $6000 PROFIT $486000
MONTH 6 CAPITAL $3000 CAPITAL $729000
PROFIT $6000 PROFIT $1458000
 71

TOTAL PROFIT
ACCUMULATED $36000 $1458000
OVER TIME

In the situation above, if I continue to earn 200%

profit and I keep adding the profit back into the
capital and reinvesting, within a relatively short
period of time, I would have become a millionaire.
However, the above instance is an ideal-situation
one and neglects the periodic expenses that are
typical of businesses. Nevertheless, it is presented
to depict in a generalized way the fantastic power
of compound interest. Compound interest is the
favorite tool of the rich which they employ to get
richer much speedily. The recurrent Africa’s
richest man, Aliko Dangote, began by reinvesting
100% of his profit with his capital, thereby
compounding and augmenting his capital base and
creating the means for massive wealth generation.
Countless many all over the world also benefited
from wielding this concept. Depending on
convenience, set aside all or part of your proceeds
 72

to be plunged back into the business and you will

be amazed at the leap your enterprise will take in
revenue generation.

FOCUS: THE 80/20 RULE OF PRODUCTIVITY

The 80/20 rule tells us that 20% of the
antecedent is responsible for 80% of the result.
In other words, 20% of the customers generate
80% of the income by their patronage, 20% if the
tactics bring about 80% of the success, the major
portion of the sales are made during specific few
times of the year, a handful of employees put out
commitment and effect accumulative output that
is greater than that of the others put together.
This is referred to as the ‘Pareto Principle’ after
Vilfredo Pareto, an economist from Italy who
wrote on it in the late 19th century.
You’ve got finite measures of resources including
time. There are only 24 hours each day as you very
much know. Your capital is a specific amount that
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can disappear into thin air if not channeled

properly. Therefore, concentrate the major
segment of your input resources into that most
essential 20%. Give more attention to that
customer that makes the major purchases, that
geographical location that turns out to be the
hotspot of patronage of your products or services,
that deal that makes the most money, that
technique or strategy that yields the greatest
result. This cannot be overemphasized. Sometimes
we get busy, work hard and overwork ourselves
doing things that only beget minimal results
whereas we procrastinate on the most
consequential tasks. There is a big difference
between working hard and working smart. There is
a disparity between just working hard and working
hard smartly. The sweatiest workers are not the
richest. Direct more of your money and time to the
most tectonic factors and productivity will get
augmented by leaps and bounds.
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MAKE MONEY WHILE YOU SLEEP

If you want to get rich quite expeditiously, there’s
a means to employ, which is to develop a system
whereby you get paid even without having to spend
your time attending to clients. This means that
money comes in even while you are out on vacation,
playing tennis with your kids or sleeping in your
bedroom. Such systems are mostly created on the
internet. However, they usually require a
groundwork period of hard work, consistency,
sometimes with recurring episodes of failure, and
in most cases without financial return.
I’m referring to the development of an automatic
money generator, something you put online which
people see, use and pay you without your consent.
This could be achieved by blogging, selling a book
or other media stuff (like video clips, audio
records, pictures, write-ups) online, copywriting,
content development, digital marketing and several
others. Sometimes, for those that warrant your
attention, you could employ someone to handle the
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tasks for you. Individuals make millions of dollars

this way. The millionaires and billionaires of the
world earn money regardless of whether they work
or not. Their earning is not work-dependent.
You also need to pursue multiple streams of
income. In this, money comes in to you from
several different directions. If one fails, no
worries, because there are still various other
sources. It could be, for instance, three books
selling online, a blog running, a YouTube channel
and two online stores. It feels exhilarating to know
that you’ve got a good number of financial
tributaries. Therefore seek after a multiple
earning system. This is one cool way to prosperity.

LEVERAGE ON PEOPLE, TALENTS AND

ABILITIES
It is important in life that you understand the
importance of other people in the pursuit of
success. To get educated, you need teachers. Even
in self-education, you need other people’s
knowledge, theories and discoveries. In business,
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you need the customers. The sales unit of your

business is the most important because all the
goods and services produced, researches and
developments made, quality assurance and control,
and every other effort exerted will be rewarded
from the sales made. Therefore, you must consider
your customers and clients to be the most valuable
factor in your enterprise. Treat them with utmost
care, love and respect even to the very least
purchaser. Be willing to serve them quality
products and services and offer them from time to
time bonuses and discounts because they are the
ones who enrich you. Never do anything to lose a
single one of them, instead, go make more people
out there customers like them.
Value everyone connected in whatever way to your
business and establishment. Get one or more
mentors, people who are knowledgeable and
successful in the course you are pursuing. Draw
close to them, ask them questions on every doubts
you have, let them share their multiple
experiences with you, cherish every bit of
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information they pass across to you and apply

them. Find a network of those who belong to your
field and are passionate for success like you are,
join and become part of the exchange of
knowledge. Share stories on exploit and failures
among yourselves. “Iron sharpens iron” says the
Bible and burning candle gives fire to the unlit one.
Don’t underestimate the essence of your
employees and managers. The quality of their work
determines the quality of the output that will be
derived. Alexander the great was able to conquer
vast many nations and kingdoms and became the
overarching ruler of a large portion of the world at
that time because he valued his army so greatly. A
man who would successfully and stress-freely cut
down a big tree with a cutlass must take the pain
to sharpen his cutlass very well. Therefore, it is
expedient that you carry out the following with
your employees for peak personnel performance:

*Give them quality training regularly.

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*Remunerate them sufficiently for their work (this

is an important motivator for brilliant work).
*Reward exceptional achievements and feats.
*Constantly motivate them to perform their tasks
extraordinarily. This is one of the natural
characteristics of a leader.
*Engage effective delegation of duties. Assign
roles to them according to their abilities and
talents. Empower them. Inculcate in them the sense
of responsibility so that they get to handle roles
judiciously.
*Employ talents and pros. It pays. It often costs
much to maintain them, but they usually generate
many times more output than the average employee.
Be a great student of exceptional people whether
they are above you, at your level or below you. As
you learn from them, you become exceptional too.
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ENJOY THE GAME OF FALLING AND

RESTRATEGIZING
If you set out to pursue anything worthwhile, then
there definitely will come moments of downturn
and disappointment. The storms are going to come
at you and you might even go crashing. Every
worthwhile success story has some botch tale
behind it. Every invention was preceded by series
of flops. Every millionaire has faced rejections and
disappointments during the climb. Yours will not be
an exception.
Have you played games like Subway Surf and the
likes on your smartphone before? Did you crater
the first time you played? Yes, you did, except you
didn’t play. What happened when you played again
and again and again? I bet you became better at it.
You improved. You’d have gotten to the point
where you scored very high. That’s how it is with
life. Put in great focus and effort into that project
that brings you money. If it crashes, you can begin
again at something much better and you’ll have a
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better chance to win. Nevertheless, I’d advise that

you do not put all your resources (your entire life
savings) into one venture so that you don’t get into
so much trouble.
However, that little fall is not failure as many see
it to be. Failure happens when you fall and remain
on the fall. Les Brown counsels that “when you fall,
fall on your back, because if you can look up, you
can get up”. Never retreat. Life is a battle. The
pursuit of success is a battle. Entrepreneurship is
a battle. They all are battles against the negative
forces of failure. You must MARCH ON
FORWARD! When you get pushed back, MARCH
ON FORWARD! When the capital is exhausted and
it looks like the business will not stand, MARCH
ON FORWARD! When as a salesperson you get two
hundred rejections and you are contemplating on
whether to quit or to make the two hundred and
first trial, friend, MARCH ON FORWARD! You say
to me “take a look at the national economic
recession, the currency devaluation, high tax rate
and the difficulty in accessing loan for a startup
 81

from the bank; I’m never going to be able to build

a successful business”. I reply “keep shut and
MARCH ON FORWARD!”. During its flight to the
top, the eagle faces fierce resistance from the
wind. On your way to the top, the oppositions will
surely come after you, but you must maintain
courage. Against all odds, MARCH ON FORWARD!

ACTIVITY
Outline the specific things to do based on the
information given in this chapter to become a
millionaire.
Begin RIGHT NOW to do them so that you can get
on the fast track to becoming a millionaire.
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CHAPTER 4

THEN WHAT?

“The soul of the sluggard desireth and hath

nothing: but the soul of the diligent shall be
made fat.”
(The Holy Bible)

As you read on and you make the commitment to

not just be a pleasure-reader nor to be part of the
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category of people who will read this book just so

that they can boast of having read this great book
or to record it in their résumé, but to act upon
everything written therein, nothing can stop you
from making the millions. When you become a
millionaire, you must understand that such will not
cause the earth to stand at attention and quit
revolving around the sun neither will it confer on
you the status of a god or a superhuman.
Thousands of persons have become millionaires;
you are not the first, and you won’t be the last.
You can still develop health complications, only
that you will be able to afford their treatments if
they are curable. You can still have problems and
face challenges, just that they will become
minimized. There will still be some things you can
afford, some which you don’t own enough to buy
and others which money cannot pay for. Don’t begin
to look down on those who are still coming up.
Wealth has the capacity to make one full of
himself or herself. Never let pride overtake you as
“pride goes before…a fall” according to the Bible.
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Maintain valuable friendship and do not disconnect

from precious old friends. Avoid greed like plague.
Many who seek wealth sacrifice their happiness,
family life, marriage, conscience, moral faculty,
health and sanity. You don’t have to give up those
nor take nefarious paths to get rich. Follow the
rules of wealth as you see them in here and you will
get wealthy. While on your way uphill, don’t make
money your focus. Take your mind off money.
Concentrate upon quality service, value creation,
growth and self development. When you become
affluent, avoid the love of money, as the Bible
labels that “the root of all evil”.

AFTER GETTING RICH, WHAT NEXT?

It’s easier to lose money than to make money. It
can take two decades to build a city but two days
to destroy it. Rearing a building may take a month
but won’t take up to a whole day to have it
demolished. It’s less difficult to scatter than to
gather. Even without lifting a finger, the law of
 85

entropy will naturally play out. Therefore, you must

take the step to maintain your wealth to avoid
joining the club of once-upon-a-time rich men who
are now bankrupt. Naturally, when one becomes a
millionaire, the urge for an extravagant lifestyle
surfaces. You have to be frugal in your spending.
Buy only the things you need not the things you
want. Live within your means. Spend more on
commodities that can earn you money (like real
estate, businesses, stocks, etc.). Note that money
metaphorically can develop wings and fly away
within a twinkle of an eye. A million dollars ain’t too
much money. As you earn, be sure to save a portion
of it first, and then you may spend the rest. As
you save, don’t just keep your savings dormant.
Reinvest it. Plunge it back into your enterprise
that your capital base may increase thereby
causing it to grow. As it grows, expand your sphere
of influence. Broaden your horizon and extend to
new fronts. Never be satisfied with so much.
Remember the powerful slogan – “MARCH ON
FORWARD!” Seek after more knowledge. Learn
 86

from those more experienced than you. Read more

books on the subject of business. Take up courses
on business and management. There are a lot of
them on the internet, some of which are even free
of charge.
Above all, remember that your health is your most
precious asset. Take good care of your health. If
your health gets bad, you won’t be able to savor
your opulence. If you die, you won’t be able to live
in that comfy home nor take your family out on
vacation trips any longer. Wealth is not a license to
eat everything that appeals to you both healthy
and unhealthy. You have only one life to live. Guard
it well. Eat healthy. Go more on a diet of plenty of
fruits, vegetable and nuts with moderate quantity
of protein and highly minimized calories. Drink
plenty of water always. Be true to medical
prescriptions. Exercise regularly. Go for medical
checkups regularly to ascertain the state of your
health and reveal illnesses. Avoid anxiety like
feces. Take adequate rest. Maintain proper
hygiene. Be cheerful always. Don’t go around
 87

sleeping around. It reduces your lifespan. Wealth

consists of all-round prosperity including
financially, spiritually, mentally, and in the health
of the body and the mind. Do not go after financial
prosperity alone, seek to be complete.

VANITY
Though money is worth seeking after because it
pays the bills, you may not fully understand the
futility of money until you become wealthy. Money
does not answer the deep questions of life. It does
not fill that inner vacuum neither does it satisfy
man’s inner quest for meaning. It may buy luxury
but not happiness. Unfortunately, the rich also
commit suicide. Money can buy treatment but not
cure. It may employ security guards and buy
security technology, but it does not procure you
inner peace. According to Benjamin Franklin,
“Money has never made man happy, nor will it;
there is nothing in its nature to produce happiness.
The more of it one has, the more one wants.” You
 88

can only find true meaning when you find God, and
that through Jesus Christ. Yes! Jesus Christ is a
Spirit (an unseen Being), lovely and true, and He
knows you, can see you and can hear you right
anytime wherever you are. To draw close to Him,
simply talk to Him and let Him know your desire
for Him for meaning and He’ll grant it speedily as
you believe that He hears you. The wealth and
possessions we acquire only serves us in this world.
When we die and awake in the life after death
(and yes, there is life after death; truth is not
conditional upon whether people believe and accept
it or not), which lasts for eternity, our fate will
only be dependent on our acceptance of and
submission to God through Jesus or not. We also
do not cross over with the wealth we have amassed
on earth.
Furthermore, pursue your lifework rather than
money. Chase your passion and the money will
follow you. As you get rich, you’ll discover that
when you exceed a certain level of wealth, the
enthusiasm for money disappears. You will
 89

experience in real terms the vanity of money.

Chase your passion and you’ll be more satisfied.
Chase your life-dream not money.

GIVING AND HELPING OTHERS RISE

Lending a helping hand to the helpless is one of the
things that make life interesting. When you
become wealthy, you do want to give back to
society by funding a cause that impacts humanity
and giving to the needy. When you give to the
underprivileged, you do not only put a smile on
their faces, you feel happy as well because
someone is happy because of you. As stated in the
Bible, “it is more blessed to give than to receive”.
Look out for those who need fund to start up a
business. Help them. Pay tuition fees for those who
cannot afford them. There are billions of hungry
people and those who cannot afford good
medication. Support them. Many are homeless.
Some do not have access to clean drinkable water.
Many have never had power supply in their
 90

communities and homes since they were born. Go

help them. It pays to give. Giving even enriches you
the more. It has a way of paving you the way for
greater prosperity. When you bless the lives of
others, you get blessed too. Life is short. Make
the best out of this transient life.

ACTIVITY
Make a commitment to yourself right now to live a
meaningful life by buying and practicing the things
written in this chapter.
Act upon them in reality.
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CHAPTER 5

TAKE ACTION NOW!

If you have read this far, I say to you,

congratulations: you have acquired a piece of prize
information that is not available to many because
they are not willing to seek after knowledge of
this kind. The knowledge you got across all the
chapters of this book has put a key in your hands.
This key opens the door to fortune. With the key
merely in your hands and you standing before the
door, you are not better off until you insert the
 92

key into the hole and turn it. You must use the key
otherwise it will not do you any good.
This is where many have issues. They find it
difficult to overcome the inertia holding them
back. Get started as soon as possible. Seek fund
(perhaps from friends, family, angel investors or
even the bank) and start up a business if you are
jobless at the moment. It’s okay to start small. If
you already have a job, that’s cool, nevertheless
start up a small side-business and grow it till you
get to have no more need for your job. Get your
business onto the internet and start working on it
using all the ideas given in this book.
Let passion drive you to start taking the action.
Ensure that you start taking the steps within the
next 24 hours. If you do not begin to apply these
things, very soon the excitement will wane and this
precious stuff will all go wasted. Set fire on your
butts and rise up from the moribund state. If
after seven days of reading this book you have not
begun to put it to work, then you will not be doing
 93

yourself good. Declare a war against

procrastination. Kill it before it kills your dreams.
TAKE ACTION NOW!
I’d really love to get your feedback and comments.
You can send them via email to
makingyourfirstmilliondollars@gmail.com . This
book has a Facebook page also which I’d like you to
like
www.Facebook.com/makingyourfirstmilliondollars .
Therein you can get more motivating materials for
success and follow-up posts on this book that will
definitely lead you to your zenith.
Stay blessed. I love you.
 94

ABOUT THE AUTHOR

Emmanuel Okonkwo is a young self-trained leader
and an excellence enthusiast. He is ardently
passionate for knowledge, transcendency and
impact. He is also a seasoned bioscientist.